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Al-Muamalat : Jurnal Ekonomi Syariah
Published by Universitas Islam Negeri Sunan Gunung Djati Bandung
ISSN : 20863225     EISSN : 27160610     DOI : 10.15575/am
Core Subject : Economy, Humanities, Social,
Humanities Economics, Econometrics & Finance Social Sciences
Al-Muamalat: Jurnal Ekonomi Syariah is a journal that focuses on the development of Islamic Economics. The journal comprehensively examines various aspects of current and emerging laws and economics relevant to the field. The journal board welcomes articles from scholars, professionals, researchers, and students as a collective effort toward the advancement of Islamic economics, submitted manuscripts will be published and disseminated. The journal releases new issues twice annually, in January and July. Al-Muamalat: Jurnal Ekonomi Syariah focuses on the main issues in the development of Islamic Economics, covering conceptual ideas and research findings related to the following areas: 1. Islamic Economics Law 2. Islamic Banking and Finance 3. Islamic Business 4. Islamic Law 5. Islamic Marketing 6. Islamic Philanthropy 7. Islamic Human Capital 8. Halal Supply Chain Management 9. Halal Industry 10. Other Topics Related to Islamic Economics
Arjuna Subject : Ilmu Sosial - Ilmu Sosial (Lain-Lain)
Articles 7 Documents
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Search results for , issue "Vol. 9 No. 1 (2022): January" : 7 Documents clear
Penerapan Akad Murabahah pada Aplikasi Cicil Mahasiswa (Studi Kasus pada Mahasiswa UIN Sunan Gunung Djati Bandung): Application of Murabahah Akad on Student Installment Application (Case Study on Students of UIN Sunan Gunung Djati Bandung) Pirdayanti, Yupi
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 9 No. 1 (2022): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v9i1.12351

Abstract

The aim is to find out the practice of murabahah financing contracts in the student installment application at UIN Sunan Gunung Djati Bandung to know the Sharia Economic Law Analysis of the Murabahah contract in the student installment application linked to Fatwa DSN No. 04 /DSN-MUI / IV / 2000 regarding the murabahah contract. The research method, namely qualitative research, is a method that is carried out by describing, explaining, investigating something related to facts. The results of the research resulted in funding for student installment applications that are only specifically for active students with the steps that the customer must take, namely; have an installment application, fill in their personal data according to their ID card, the buyer looks for the items needed at the market place, then the buyer asks for an application, then chooses the installment time and after being confirmed it is followed by a meeting of representatives from the installment application, the student ambassador to make a sale contract and sign the agreement letter In terms of muamalah, it is harmonious and there are conditions that are not fulfilled on the object part and also the price as well as in the first Fatwa provisions point five and the second point two. Tujuan untuk mengetahui praktik akad pembiayaan murabahah pada aplikasi cicil mahasiswa di UIN Sunan Gunung Djati bandung mengetahui Analisis Hukum Ekonomi Syariah terhadap akad Murabahah pada Aplikasi cicil mahasiswa dihubungkan dengan Fatwa DSN No. 04/DSN-MUI/IV/2000 tentang akad murabahah. Metode penelitian yaitu penelitian kualitatif ialah metode yang dilakukan dengan cara menggambarkan, menjelaskan, menyelidiki suatu hal yang berkaitan dengan fakta. Hasil dari penelitian menghasilkan pembiayaan pada aplikasi cicil mahasiswa yang hanya dikhususkan bagi mahasiswa aktif dengan tahapan yang harus dilakukan oleh nasabah ialah; memiliki aplikasi cicil, mengisi data diri sesuai KTP, pembeli mencari barang yang dibutuhkan di market place, lalu pembeli meminta permohonan, kemudian memilih waktu angsuran dan setelah terkonfirmasi dilanjutkan dengan pertemuan wakil dari aplikasi cicil ialah student ambassador supaya melakukan akad jual beli dan tanda tangan surat perjanjian. Dalam ketentuan muamalah rukun dan syaratnya ada yang tidak terpenuhi pada bagian objek dan juga harga serta pada ketentuan Fatwa pertama poin lima dan ketentuan kedua poin dua.
Praktik Serbu di Aplikasi Bukalapak dalam Perspektif Hukum Ekonomi Syariah: Serbu Practice in Bukalapak Application in the Perspective of Sharia Economic Law Cipta, Sanzani Aditiya; Jaenudin, Jaenudin; Saptaji, Aji
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 9 No. 1 (2022): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v9i1.12368

Abstract

This study aims to find out sharia economic law against the practice of Buying Pulses for Serbu in Bukalapak application. This study uses descriptive research method of analysis with case study approach. In addition, the type of data used in this study is qualitative data. The results of the analysis showed that: (1) Beli Pulsa Untuk Serbu is done by the way the buyer selecting the goods which there is indeed in certain sessions and periods. Then the invaders are required to approve the refund in the form of pulse. Raids can only be carried out once. The draw is conducted after the period ends. The draw is conducted in privately. The announcement of the winner can be seen on the history of Serbu Seru and bukalapak official website. The prize submission is submitted a maximum of 30 working days. 2) In the practice of Beli Pulsa Untuk Serbu more contains mudharat-his juxtaposed to-maslahat, then the practice of Beli Pulsa Untuk Serbu in Bukalapak Application law is haraam. Penelitian ini bertujuan untuk mengetahui Hukum Ekonomi Syariah terhadap praktik Beli Pulsa Untuk Serbu di aplikasi Bukalapak. Penelitian ini menggunakan metode penelitian deskriptif analisis dengan pendekatan studi kasus. Selain itu jenis data yang digunakan pada penelitian ini adalah data kualitatif. Hasil analisis menunjukkan bahwa: (1) Beli Pulsa Untuk Serbu dilakukan dengan cara penyerbu memilih barang yang terdapat pada sesi dan periode tertentu. Kemudian penyerbu diwajibkan untuk menyetujui pengembalian dana dalam bentuk pulsa. Penyerbuan hanya dapat dilakukan satu kali per-sesi-nya. Pengundian dilakukan setelah periode berakhir. Pengundian dilakukan secara tertutup. Pengumuman pemenang dapat dilihat pada riwayat Serbu Seru dan website resmi Bukalapak. Penyerahan hadiah diserahkan maksimal 30 hari kerja. 2) Dalam praktik Beli Pulsa Untuk Serbu lebih banyak mengandung mudharat-nya dibandingkan ke-masalahatan-nya, maka praktik Beli Pulsa Untuk Serbu di Aplikasi Bukalapak hukumnya adalah haram.
Praktik Serba 10.000 di Aplikasi Shopee menurut Hukum Ekonomi Syariah dan Peraturan Menteri Sosial Nomor 12 Tahun 2019 tentang Penyelenggaraan Undian Gratis Berhadiah: The Practice of All 10,000 in the Shopee Application according to Sharia Economic Law and Regulation of the Minister of Social Affairs Number 12 of 2019 concerning the Implementation of Free Draws with Prizes Sya'bana, Ramdani Mugni
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 9 No. 1 (2022): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v9i1.13187

Abstract

This study aims to determine the mechanism of the program which is then linked to the Regulation of the Minister of Social Affairs Number 12 of 2019 concerning the Implementation of Free Lottery with Prizes. Based on the results of the study, it can be concluded that the program can be followed by Shopee users and follows the applicable terms and conditions, when viewed from the process there are several elements of interrelated contracts, such as buying and selling, gharar, gambling, sweepstakes, and prizes. Shopee all 10,000 contains elements of gharar but gharar yasir, or a little gharar. After further analysis, this is included in the practice of lottery prizes. The prize itself is included in the tabarru contract, which if there is gharar yasir in the tabarru contract, it is allowed. The practice of all 10,000 in the Shopee application which is linked to the Minister of Social Affairs Regulation Number 12 of 2019 concerning the Organizing of Free Sweepstakes with Prizes, the researcher sees the suitability between Shopee of 10,000 and the regulation, because the important things that have been regulated by the regulation have been carried out by Shopee. Penelitian ini bertujuan untuk mengetahui mekanisme program tersebut kemudian dihubungkan dengan Peraturan Menteri Sosial Nomor 12 tahun 2019 Tentang Penyelenggaraan Undian Gratis Berhadiah. Berdasarkan hasil penelitian, dapat disimpulkan bahwa program tersebut dapat diikuti oleh pengguna Shopee serta mengikuti syarat dan ketentuan yang berlaku, jika dilihat dari prosesnya terdapat beberapa unsur akad yang saling berkaitan, seperti jual beli, gharar, judi, undian, serta hadiah. Shopee serba 10.000 mengandung unsur gharar akan tetapi gharar yasir, atau gharar yang sedikit. Setelah dianalisa lebih jauh ini termasuk ke dalam praktik undian berhadiah. Hadiah sendiri termasuk akad tabarru’ yang mana jika terdapat gharar yasir dalam akad tabarru’ maka diperbolehkan. Praktik serba 10.000 di aplikasi Shopee yang dihubungkan dengan Peraturan Menteri Sosial Nomor 12 Tahun 2019, ada kesesuaian antara Shopee serba 10.000 dengan Peraturan tersebut, karena hal-hal penting yang sudah diatur oleh peraturan tersebut sudah dijalankan oleh pihak Shopee
Consumer Protection in E-Commerce Transactions through Shopee Application according to Sharia Economic Law Fadlurrahman, Iman; Fikrianihayah, Azzahra Nurul
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 9 No. 1 (2022): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v9i1.13920

Abstract

The development of technology is increasingly rapid, there is a change in life, and buying and selling have turned online. One of the most popular e-commerce transactions in Indonesia is Shopee. The concept of Shopee e-commerce transactions is the same as bai 'salam. In e-commerce transaction activities, consumers can only see goods from the catalog, so there are often problems that harm consumers and the need for consumer protection. This study aims to determine consumer protection efforts in Shopee e-commerce transactions and how to review Islamic economic law on consumer protection in Shopee e-commerce transactions. This research method is a descriptive analysis by describing an event to be studied. The results of this study conclude that (1) Consumer protection efforts in Shopee e-commerce transactions have been regulated in the terms of service with the application of consumer protection for Shopee e-commerce transactions trying to return goods and refunds. (2) Based on Islamic law, consumer protection in Shopee e-commerce transactions is appropriate, because it applies khiyar rights. The concept of khiyar that is appropriate in the application of e-commerce Shopee is khiyar requirements, khiyar disgrace, and khiyar ru'yah.
Praktik Jual Beli Pre Order dengan Sistem Online: Practice of Pre-Order Buying and Selling with Online System Utami, Indrianti Putri
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 9 No. 1 (2022): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v9i1.14045

Abstract

The practice of buying and selling online is a buying and selling transaction carried out through modern technology whose validity depends on whether or not the pillars and conditions that apply in buying and selling are fulfilled. Pre-order buying and selling transactions only have online catalogs of goods found on websites or social media. This study aims to determine the practice and implementation of buying and selling pre-orders with an online system at the Bylo.id and Gerai.aliyah online stores. And knowing the perspective of Sharia Economic Law on buying and selling pre-orders with the online system at the Bylo.id and Gerai.aliyah online stores. The method used in this research is the descriptive research method, a method that is intended to collect information about the object of research. The results of the study conclude that the practice and implementation of buying and selling pre-orders with the online system at the Bylo.id and Gerai.aliyah online stores is carried out by pre-orders or orders made through the website or chat, then both parties agree on the price, payment system, and delivery. and buying and selling preorders with the online system at the Bylo.id and Gerai.aliyah online stores have fulfilled the pillars and conditions for buying and selling istishna'. Praktik jual beli online merupakan transaksi jual beli yang dilakukan melalui teknologi modern yang keabsahannya tergantung pada terpenuhi atau tidaknya rukun dan syarat yang berlaku dalam jual beli. Transaksi jual beli pre order hanya memiliki katalog barang online yang terdapat di website atau media sosial. Penelitian ini bertujuan untuk mengetahui praktik dan implementasi jual beli pre order dengan system online di toko online Bylo.id dan Gerai.aliyah. Dan mengetahui perspektif Hukum Ekonomi Syariah terhadap jual beli pre order dengan sistem online di toko online Bylo.id dan Gerai.aliyah. Metode yang digunakan dalam penelitian ini adalah metode penelitian deskriptif, metode yang dimaksudkan untuk mengumpulkan informasi mengenai objek penelitian. Hasil penelitian menyimpulkan bahwa praktik dan implementasi jual beli pre order dengan sistem online di toko online Bylo.id dan Gerai.aliyah dilaksanakan dengan pre order atau pesanan yang dilakukan melalui website atau chatting, lalu kedua belah pihak bersepakat atas harga, sistem pembayaran, dan pengirimannya dan jual beli pre order dengan sistem online di toko online Bylo.id dan Gerai.aliyah telah memenuhi rukun dan syarat jual beli istishna’.
Application of Waqf in Modern Islamic Boarding School Darussalam Gontor, Ponorogo Regency in the Perspective of Sharia Economic Law and Law Number 41 of 2004 concerning Waqf Taufik, Fikfik; Aprillillah, Yusi Nur Iman
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 9 No. 1 (2022): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v9i1.14248

Abstract

Pondok Modern Darussalamm Gontor is an example of an educational institution that is successful in managing waqf by Nazir organizations. Because individual nazirs tend to be lay and they are afraid that waqf assets will not be managed properly. However, PMDG carries out waqf activities with the concept of fundraising, one of which is not regulated in Law No. 41 of 2004 concerning waqf, namely self waqf which is still used today. The research method used is a normative juridical approach. This research was conducted by examining library materials as the basic material for research, and by conducting a search on legislation and literature related to the problem under study. The basis of the implementation of this self-waqf is maqashid sharia, namely realizing benefit and avoiding harm. This is in accordance with the thinking of the Maliki School and the Hanafi School, with the background of its implementation being Law No. 41 of 2004 article 16 no. 3 point g. Therefore, self-waqf is still carried out because there is a noble goal, namely: to continue the leadership relay and PMDG ideals if the leader dies.
Review of DSN-MUI Fatwa No. 177/DSN-MUI/II/2018 against the Practice of Paying Products on Credit Using the Shopee PayLater Payment Feature on the Shopee Application Prasetyo, Yoyok; Fatimah, Neneng
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 9 No. 1 (2022): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v9i1.14617

Abstract

This study aims to find out to practice credit payments using the SPayLater feature in the Shopee application and the suitability of loan funds through the SPayLater feature is based on the DSN-MUI fatwa No.177/DSN-MUI/II/2018 concerning Information Technology-Based Financing Services Based on Sharia Principles. This research was conducted using a descriptive method, which describes specifically the practice of product payments using the SPayLater feature and conformity analysis based on sharia. The results of this study conclude that the use of SPayLater can be done after activation. As for the practice, select the item you want to buy then, click the payment method and select SPayLater, click long payment then confirm, click make the order and enter the Shopeepay PIN. Analysis of the suitability of the DSN-MUI fatwa No. 177/DSNMUI/ II/2018 on loan funds in the form of electronic money in the SPayLater feature there are things in practice that are not in accordance with sharia principles, in which there is an additional fee of minimum installments of 2-95% of the total payment and there are late fees of 5 percent of the total invoices that are due.

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